Beaufort County property record for 3 Cutter Cir, Bluffton, SC 29909
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2,632 sqft · built 1999 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $2,450 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 08295141 |
| Primary APN | 08295141 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,632 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 08295141 |
|---|---|
| Old Parcel Number | R603 013 000 0077 0000 |
| Street Address | 3 CUTTER CIR |
| City | BLUFFTON |
| State | SC |
| Zip | 29909-4311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 4116 |
| Legal Description | LOT 22 RIVERBEND S/D BLK 100 A PB65 P141 PB74 P174 PB77 P68 PB91 P21-23 PB101 P7 |
| Legal Subdivision | RIVERBEND BY SUNCITY |
| Legal Block | 100 |
| Legal Lot Number | 22 |
| Jurisdiction | BEAUFORT SC |
| Township / Civil Division | BLUFFTON |
| Census Block Group | 1 |
| Census Block | 1115 |
| Census Tract | 2202 |
The current owner of 3 Cutter Cir acquired it in May 2006.
Source: Beaufort County records, as of March 11, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 3 CUTTER CIR, BLUFFTON, SC 29909-4311 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 20, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Apr 20, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Last Transfer Date | May 12, 2006 |
|---|---|
| Transfer Doc | 0023761733 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 3 CUTTER CIR, BLUFFTON, SC 29909-4311 |
| Document Number | 0000021218 |
| Instrument Date | Apr 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 CUTTER CIR BLUFFTON SC 299094311, BLUFFTON, SC 29909-4311 |
| Document Number | 0000021218 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 003570/000737 |
| Instrument | 21218 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 996 Months |
| Due | Apr 26, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.46% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT SC |
| Property Address | 3 CUTTER CIR, BLUFFTON, SC 29909-4311 |
| Document Number | 0000021219 |
| Instrument Date | Apr 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 CUTTER CIR BLUFFTON SC 299094311, BLUFFTON, SC 29909-4311 |
| Document Number | 0000021219 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 003570/000755 |
| Instrument | 21219 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 996 Months |
| Due | Apr 26, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.46% |
The 2025 property tax bill for 3 Cutter Cir was $2,450, down 63.3% from the year before.
Source: Beaufort County assessment roll, as of September 13, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,450.00 (-63.33%) | $21,020 (-23.37%) | |
| 2024 | $6,682.00 (+172.51%) | $27,432 (-) Land $6,320 Building $21,112 | $685,800 (-) Land $158,000 Building $527,800 |
| 2023 | $2,452.00 (+10.35%) | $27,432 (+44.02%) Land $6,320 Building $21,112 | $685,800 (+44.02%) Land $158,000 Building $527,800 |
| 2022 | $2,222.00 | $19,048 Land $6,000 Building $13,048 | $476,200 Land $150,000 Building $326,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Cutter Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 985 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 985 in force |
| Nearby Flood Claims | 23 (2009–2022) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3 Cutter Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BJW&SA serves 164,829 people · EPA ID SC0720003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Sparklight Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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